A Message about our Lobbies

Because we are still in a pandemic, It may become necessary to temporarily shut down a branch entirely due to staffing issues. Hopefully, this will be minimal and we will give updates through our social media channels. Please give us a call if you need assistance or do not feel comfortable coming inside the lobby. 

Questions about Your Economic Impact Payment
The best way to check on the status of your Economic Impact Payment is by using the IRS website link provided. You can also see answers to Frequently Asked Questions here. This includes instructions under Question 41 about how to return a check for any reason.

 A Message on the CARES Act

President Trump signed in to law the CARES Act on March 27, 2020.  This unprecedented $2 trillion stimulus bill takes aim at providing relief to both business and individuals who have been significantly impacted by the COVID-19 pandemic.

One of the key provisions in this Act was the creation of an additional type of loan administered through the Small Business Administration (SBA).  This loan program is being referred to as the Payroll Protection Program.  Farmers & Merchants, in addition to other banks, will serve as a liaison for our small businesses and the SBA when seeking this relief.

The following are some general guidelines for seeking relief under this program:

  • Businesses must have fewer than 500 employees
  • Loans will not require collateral or guarantees
  • In general, the amount of the loan is capped at the lesser of $10mm or 2.5 times the average monthly payroll costs the business incurred in a one-year period prior to the date of loan funding
  • Loans eligible for forgiveness on sum used for payroll costs, mortgage interest payments, rent and utilities paid or incurred by the borrower for the 8-week period following loan funding

Details of implementation of this loan program is expected from the SBA in the coming days.  In the meantime, we recommend contacting your Farmers & Merchants Bank Loan Officer for additional information regarding your options during the COVID-19 pandemic.

 A Message on COVID-19

It has been an unprecedented year for not only the banking industry, but many of our customers and employees.  At Farmers & Merchants Bank we continue to be committed to the safety and health of our customers, our employees, and the well being of the community. 

Enactment of this Plan also provides that all critical business applications will be continued at all times.  We are committed to providing you the superior customer service and support you have come to expect from us.

While each of our drive-thru windows remain open, we strongly encourage you to utilize our digital banking tools.  Mobile Banking and  Online Banking provide you the ability to check your account balances, transfer balances between accounts, make mobile deposits and make bill payments.  These services can be accessed through the Online Banking and Mobile Banking pages on our website, In addition, all F&M ATM's are available for your balance and cash withdrawal needs.

The objective of our response is to ensure that F&M has adequately mitigated the risks that the COVID-19 virus poses.  As we all are aware, the are multiple unknowns that warrant continued caution.  We continue to actively monitor this situation, and  will continue to update and notify you of any additional changes in the Bank's operations.  Please continue to check this page and the Bank's social media for updates.

We want to thank each and everyone of you for trusting Farmers & Merchants Bank to handle your banking needs. 

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Access your accounts on the go.

Check your account balances all at once, view recent transactions, pay bills and more with our mobile app.
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Deposit checks fast, right from your phone.

It's as easy as snapping a photo of the front and back of your endorsed check. It's fast, easy, and secure.